Comparing First Bancorp, Inc (ME) (NASDAQ:FNLC) & Seneca Financial (OTCMKTS:SNNF)

First Bancorp, Inc (ME) (NASDAQ:FNLC) and Seneca Financial (OTCMKTS:SNNF) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Profitability

This table compares First Bancorp, Inc (ME) and Seneca Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Bancorp, Inc (ME)	21.43%	13.43%	1.19%
Seneca Financial	N/A	N/A	N/A

Earnings & Valuation

This table compares First Bancorp, Inc (ME) and Seneca Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Bancorp, Inc (ME)	$101.39 million	3.93	$34.39 million	$3.37	10.50
Seneca Financial	N/A	N/A	N/A	N/A	N/A

First Bancorp, Inc (ME) has higher revenue and earnings than Seneca Financial.

Analyst Recommendations

This is a breakdown of current recommendations for First Bancorp, Inc (ME) and Seneca Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Bancorp, Inc (ME)	0	0	1	0	3.00
Seneca Financial	0	0	0	0	0.00

Insider & Institutional Ownership

40.4% of First Bancorp, Inc (ME) shares are owned by institutional investors. 5.1% of First Bancorp, Inc (ME) shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

First Bancorp, Inc (ME) beats Seneca Financial on 8 of the 8 factors compared between the two stocks.

About First Bancorp, Inc (ME)

The First Bancorp, Inc. operates as the holding company for First National Bank that provides a range of banking products and services to individuals and businesses. It offers various deposit products, including demand, NOW, time, savings, money market, and certificates of deposit accounts. The company also provides commercial loans comprising commercial real estate owner occupied, such as mortgage loans to finance investments in real property such as retail space, offices, industrial buildings, hotels, educational facilities, and other specific or mixed use properties; commercial real estate non-owner occupied loans; commercial construction to finance construction in a mix of owner- and nonowner occupied commercial real estate properties; and commercial and industrial loans, including revolving and term loan for financing working capital and/or capital investment. In addition, it offers commercial multifamily loans; residential real estate term and residential real estate construction loans; loans to municipalities in Maine for capitalized expenditures, construction projects, or tax anticipation notes; home equity revolving and term loans; and personal lines of credit and amortizing loans for various purposes, such as autos, recreational vehicles, debt consolidation, personal expenses, or overdraft protection. Further, the company offers private banking, financial planning, investment management, and trust services to individuals, businesses, non-profit organizations and municipalities; and brokerage, annuity, and various insurance products, as well as payment processing services. It operates through full-service banking offices in Lincoln, Knox, Waldo, Penobscot, Hancock, and Washington counties in the Mid-Coast, Eastern, and Down East regions of Maine. The company was formerly known as First National Lincoln Corporation and changed its name to The First Bancorp, Inc. in April 2008. The First Bancorp, Inc. was founded in 1864 and is based in Damariscotta, Maine.

About Seneca Financial

Seneca Financial Corp. operates as the holding company for Seneca Savings that operates as a community-oriented savings and loan institution. It provides demand, NOW, savings, money market, and certificate of deposit accounts; and one-to-four family first lien residential mortgages, residential construction, home equity loans and lines of credit, and commercial loans, as well as consumer loans. The company also offers financial planning and investment advisory services; and sells various insurance and investment products through broker networks. It operates branches in Baldwinsville, Liverpool, North Syracuse, and Bridgeport, New York. Seneca Financial Corp. was founded in 1928 and is headquartered in Baldwinsville, New York. Seneca Financial Corp. is a subsidiary of Seneca Financial MHC.